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Kansas State Bank

Overbrook, KS · Cert 1865

State charter, non-member · FDIC · 2 branches

Q2 2026

$101.2MAssets
$61.2MLoans
$83.9MDeposits
$11.4MEquity
Loan mix
68%RE $27.1M24%C&I $9.6M7%Consumer $2.9MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $67.6M19%Noninterest $16.2MQ2 2025Q2 2026

NIM

5.20%Q2 ’245.53%Q2 ’255.56%Q2 ’26+6%+3%

Non-interest income vs. expense

2.20%Q2 ’242.37%Q2 ’251.87%Q2 ’26+10%-22%

Market Position · Topeka, KS · 2026 SOD (annual) · 1.2% share · #18 of 30 inst. · $0.1B of $7.1B

Executive Summary

  • Earnings: ROA of 1.37%, up 34 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.70% of loans (-13 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 13.17%, down 6 bps from a year ago.
  • Funding: loans stand at 73.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+34 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+10 bps YoY

Efficiency Ratio (YTD, annualized)

46.62%-1,338 bps YoY

Tier 1 Leverage Ratio

13.17%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%1.09%1.15%0.78%1.37%+34 bps
Return on Equity10.07%10.31%10.84%7.20%12.50%+243 bps
Net Interest Margin3.66%3.66%3.60%3.61%3.76%+10 bps
Efficiency Ratio60.00%58.79%58.23%61.60%46.62%-1,338 bps
Non-Interest Burden2.08%2.03%1.98%2.13%1.62%-46 bps
Growth
Asset Growth (YoY)3.14%7.92%10.54%11.27%8.70%+555 bps
Loan Growth (YoY)5.72%7.78%6.93%8.93%8.99%+328 bps
Deposit Growth (YoY)6.24%8.88%11.26%13.03%9.73%+348 bps
Asset Quality
Nonperforming Loans / Loans0.84%0.84%0.86%0.83%0.70%-13 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%0.00%0.11%+11 bps
Allowance / Loans2.95%3.06%3.17%3.06%2.85%-10 bps
Allowance Coverage of NPLs3.5x3.6x3.7x3.7x4.0x+0.5x
Capital
Tier 1 Leverage Ratio13.23%13.31%13.07%12.73%13.17%-6 bps
Total Risk-Based Capital19.81%13.31%13.07%12.73%13.17%-664 bps
Equity / Assets10.64%11.23%11.08%10.63%11.29%+65 bps
Liquidity & Funding
Loans / Deposits73.53%71.63%65.72%66.69%73.03%-49 bps
Liquid Assets / Assets1.35%2.17%2.19%2.36%1.13%-21 bps
CRE / Total Capitaln/a35.40%35.31%38.59%n/an/a